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Cloverdale city, CA

ZIP 95425 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95425

Median Home Value
$647,000
Median Rent
$1,182
Affordability Snapshot
$178,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,156/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

45.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95425 in Cloverdale city, CA, a household would need roughly $178,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,156. That is about 66% above the local median household income ($107,281), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.0%+9% vs US avg
x
Vacancy Rate
1.9%-82% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
24.6%-36% vs US avg
x
$647,000
Home Value
$1,182
Rent
1977
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached73.9%
  • 1-unit attached6.9%
  • 2-9 units12.0%
  • 10+ units2.2%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$647,000
Median rent$1,182
Owner-occupied71.0%
Vacant1.9%
Price-to-income6.0x
Est. income to buy$178,000